| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE | — | $63K | $63K | 3.77% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE | — | $25K | $25K | 1.51% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES INC | $18K | — | $18K | 3.45% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES INC | $5K | — | $5K | 1.03% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 Filed as: MATHER BENEFIT ADMINISTRATORS LLC | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 8.75% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $17 | $7K | 4.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | — | $927 | $927 | 0.57% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 22.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.53% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 3.32% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 112 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $163K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 140 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $155K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $155K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $155K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 112 | $2.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.